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First National Bank in Marlow, The

Marlow, OK · Cert 26260 · Leader First Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

42

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

22

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank in Marlow, The

Marlow, OK · Cert 26260 · Leader First Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

$71.8MAssets
$44.6MLoans
$65.3MDeposits
$5.1MEquity
Loan mix
90%RE $44.1M2%C&I $1.1M7%Consumer $3.6MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $46.2M29%Noninterest $19.1MQ3 2024Q2 2026

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.0% share · #71 of 71 inst. · $0.0B of $60.8B

4.4% Stephens
0.3% Grady

Executive Summary

  • Earnings: ROA of 0.97%, up 44 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.15%, up 31 bps from a year ago.
  • Funding: loans stand at 68.27% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.97%+44 bps YoY

Net Interest Margin (YTD, annualized)

4.25%+38 bps YoY

Efficiency Ratio (YTD, annualized)

74.42%-530 bps YoY

Tier 1 Leverage Ratio

8.15%+31 bps YoY

NIM

5.35%Q2 ’245.68%Q2 ’255.41%Q2 ’26+13%+10%

Non-interest income vs. expense

3.49%Q2 ’243.87%Q2 ’253.55%Q2 ’26+1%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.40%0.70%0.54%-0.57%-0.06%0.99%0.97%+44 bps
Return on Equity7.02%6.63%11.26%8.49%-9.10%-0.94%14.56%14.10%+561 bps
Net Interest Margin3.49%3.35%3.62%3.87%4.04%4.16%4.30%4.25%+38 bps
Efficiency Ratio84.66%84.44%73.58%79.72%80.77%78.33%73.98%74.42%-530 bps
Non-Interest Burden2.85%2.73%2.29%2.89%3.10%3.08%3.05%3.03%+14 bps
Growth
Asset Growth (YoY)1.36%-4.17%0.99%-0.08%-4.64%-4.12%-1.05%0.15%+23 bps
Loan Growth (YoY)10.08%5.61%9.84%10.51%6.77%5.06%1.34%-11.47%-2,198 bps
Deposit Growth (YoY)-15.04%3.40%11.61%12.88%11.18%9.49%3.20%1.54%-1,134 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%1.16%1.12%1.13%0.00%0 bps
Net Charge-Offs / Loans0.02%0.09%0.02%0.02%0.02%0.02%-0.02%0.02%0 bps
Allowance / Loans0.54%0.52%0.68%0.73%2.08%2.05%2.10%2.37%+164 bps
Allowance Coverage of NPLsn/an/an/an/a1.8x1.8x1.9xn/an/a
Capital
Tier 1 Leverage Ratio8.17%8.09%7.61%7.84%7.22%7.65%7.97%8.15%+31 bps
Total Risk-Based Capital12.62%12.56%11.98%12.15%11.59%12.16%12.61%14.40%+225 bps
Equity / Assets6.61%6.30%6.11%6.50%6.23%6.71%6.82%7.15%+64 bps
Liquidity & Funding
Loans / Deposits83.66%84.09%78.55%78.31%80.34%80.68%77.14%68.27%-1,004 bps
Liquid Assets / Assets4.13%3.36%3.23%2.03%2.46%2.67%2.77%13.55%+1,152 bps
CRE / Total Capitaln/an/an/an/a474%447%429%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank in Marlow, The

Marlow, OK · Cert 26260 · Peer group: banks under $1B in assets in OK (n=88-89) · Leader First Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

$71.8MAssets
$44.6MLoans
$65.3MDeposits
$5.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OK (rank 12 of 88).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets in OK (rank 83 of 89).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.97%

Rank 63 of 89

Net Interest Margin

4.25%

Rank 27 of 89

Efficiency Ratio

74.42%

Rank 70 of 89

Equity / Assets

7.15%

Rank 83 of 89

Non-interest income vs. expense

$0.4M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 22% of banks under $1B in assets in OK
Bank 74.42%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.97%0.85%1.26%1.60%Beats 29%63 / 89
Return on Equity13.53%7.40%11.89%14.65%Beats 63%33 / 89
Net Interest Margin4.25%3.46%3.93%4.45%Beats 70%27 / 89
Efficiency Ratio74.42%54.70%60.95%71.14%Beats 22%70 / 89
Asset Quality
Nonperforming Loans / Loans0.00%0.30%0.82%2.25%Beats 100%12 / 88
Net Charge-Offs / Loans0.02%0.00%0.03%0.20%Beats 56%40 / 88
Capital
Tier 1 Capital Ratio13.14%10.89%13.00%16.33%Beats 57%38 / 89
Total Risk-Based Capital Ratio14.40%11.20%13.06%16.33%Beats 63%33 / 89
Equity / Assets7.15%9.26%10.94%13.52%Beats 7%83 / 89
Liquidity & Funding
Loans / Deposits68.27%61.51%72.27%84.01%38th pctl55 / 88
Loans / Assets62.11%52.51%63.15%71.27%46th pctl48 / 89
Brokered Deposits / Depositsn/aNot reported for this institution